It is a play on words. One of the guys I worked with is trying to Sue. He says when he signed a contract 25 years ago he said he was promised full benefits when he retired if he put 20 years in. The play on words is yes you can have the full benefits but you have to pay for a percentage based on your time. Wekk guess what ...Our share just went up last July. Which makes it even more expensive. Just crazy